By George J. Benston, W. Curt Hunter, George G. Kaufman
Equal therapy in entry to credits has lengthy been a basic social objective within the usa. in spite of the fact that, regardless of the passage of a number of legislation within the U.S. prohibiting discrimination within the provision of monetary companies at the foundation of race, gender, and marital prestige, between different components, questions about the lifestyles of racial discrimination in such parts as domestic loan loans and small enterprise credits proceed, and confound public coverage makers. This ebook consists of 9 articles and a panel dialogue, initially released as a unique factor of the Journal of economic providers Research. those contributions discover the complicated factor of discrimination in monetary services.
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Extra info for Discrimination in Financial Services: A Special Issue of the Journal of Financial Services Research
Screening with matched pairs appears to offer a significant gain over screening with raw HMDA data. For instance, about one fourth of the institutions that would have qualified for more comprehensive statistical reviews using raw HMDA data would not have qualified with the matched-pair screen. This represents real potential social savings. Collecting data from loan files for a statistical analysis is very expensive, both in terms of examiner time and in burden to the institution. In addition, in cases where a full review is still indicated, examiner efforts can be concentrated on those markets or products showing the most significant unexplained disparities.
82,700 for whites. Liquid assets were higher for white applicants; median liquid assets for whites exceeded that of nonwhite applicants by a factor of 2. 10 Liquid assets alone were sufficient to meet projected closing costs (as discussed in more detail later) for 65% of white compared to 55% of nonwhite applicants. 3 additional years of school relative to nonwhite applicants. Down payments were higher for white applicants, but there was little difference in the average housing expense and total obligation ratios (each measured as a proportion of income) between white and nonwhite applicants.
BEESON, AND PAUL S. CALEM applicants where 99% of the nonwhite applicants have low incomes and I % have high incomes and white applicants have the reverse pattern. Moreover, suppose that the disparity in denial rates is 5% for highincome applicants and 20% for low-income ones, and that 90% of the bank's applicants are not of nonwhite status. Consider the estimation of a linear probability model with dummy variables for race and "high," but no interaction term, estimated on a random sample of bank applicants.